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We’ve made it easy to compare private hire insurance quotes for Uber drivers.

Free and easy to use. It only takes a few minutes to get a quote for any vehicle. Enter your details once to compare the best deals from specialist UK taxi insurance brokers.

What type of insurance do you need for Uber?

If you’d like to drive for Uber then you’ll need appropriate cover, and a standard car insurance policy is not enough. As you are carrying paying passengers you’ll need Private Hire insurance. And you’ll need to declare that you drive for Uber.

Private Hire insurance covers vehicles which pick up passengers for pre-booked rides. It covers you against road traffic accidents which cause injury or damage. Much like car insurance, it is available in three main forms. third party, third party fire and theft, and fully comprehensive. A private hire insurance policy does not cover traditional taxis which pick up customers from the street.

Uber insurance coverage for passengers

A Private Hire insurance policy will also cover most injuries to passengers. However many Uber drivers choose to hold additional cover. Public liability insurance can help cover compensation claims from Uber passengers. For example, a passenger’s property may be damaged in your car, or they may hurt themselves getting in or out of your vehicle. If a claim is made against you then public liability insurance can help cover the costs.

Private Hire insurance features

    • There are three cover levels for Private Hire Insurance, just like car insurance. Don’t assume Third Party Only is the cheapest, most people can save money with a fully comprehensive policy!

      • Fully comprehensive
      • Third Party Fire & Theft
      • Third Party Only
    • As an Uber driver, Public Liability cover can help to protect you against claims made by your customers. For example if a customer is injured whilst travelling in your vehicle, Public Liability cover can protect you financially if they decide to make a compensation claim against you.

    • Most private hire policies will cover you for personal use of your vehicle. Just make sure you accurately declare the miles you are likely to cover over the course of a year. Remember that taxi policies tend to be more expensive than standard car insurance, so try to keep personal use to a minimum if possible.

    • Most insurers will allow you to add additional drivers to your policy.

    • Just like car insurance, some insurers will include Windscreen and/or Breakdown cover either for free or as an optional extra. You’ll be able to see which policies include these cover levels on the quote results page.

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How much does Uber insurance cost?

As with any insurance, the price you pay for your policy depends on the broker and your specific circumstances. Insurers use a variety of data to assess the risk you present as a driver. The more hours you spend on the road at peak times the more you will pay. If you’ve had previous motoring restrictions or claims, this may also increase your quote.

All valid Private Hire policies should meet minimum Uber insurance requirements. However check the policy wording carefully and make sure you understand what’s covered. When comparing quotes remember that price is just one factor, and add-ons and special features can all add value to a policy.

What insurance does Uber provide?

The type of insurance provided by Uber varies by Country. In the US drivers receive adequate liability cover when they are on a job. Unfortunately insurance for Uber drivers in the UK is much more limited. Uber does provide a partner protection programme which should cover you against loss of income due to “life-changing” events. However, this insurance will not adequately or legally cover you when driving.

Driving for Uber can be rewarding. Many drivers like the flexibility and autonomy of the service. However, it is important to remember your liabilities as a driver. It is your responsibility to understand the insurance requirements for Uber drivers. If you don’t have adequate insurance or you are under-insured you could find yourself with fines to pay or worse. Make sure you do your research and, if in doubt, speak to your insurance provider. And compare quotes for Uber drivers online today.


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